The following is our privacy policy regarding your visits to and use of the PBTAdvantage (herein "we", "our" or "us") web site, located at www.pbtadvantage.com. PBTAdvantage is a division of Rosebay Development Partners, LLC. By accessing any page of this site, you agree to be bound by the policies set forth below. If you do not agree to all of these policies, please do not access this site or any of its pages. This Privacy Policy is incorporated and made part of the Terms and Conditions of Use for our web site.

Because your privacy is important to us, we adhere to the following policies with respect to the collection and use of information through our web site:

Information You Supply to Us

If you browse our web site (the "Site"), no personal information is collected. We do collect data regarding use of our Site, including pages visited, and length of user session in order to determine the usefulness of our Site and to enable us to make upgrades that will make our Site more accessible to visitors, and to record the date and time of individual visits to our Site. If you supply information to us through the "Contact Us" page, we will retain and use that information as is described below. If you use the planning tools (for example, calculators), if any, that we may post on our Site, such calculations are not stored in our records and we have no access to the information you enter when using such planning tools.

Internet Cookies

Internet "cookies" are small text files that a web site transfers to your computer's hard drive for record-keeping purposes. When you click on a hyperlink, the web site transmits a cookie to your browser; when you return to the page or site that transmitted the cookie, the information is transmitted back to the web site server enabling the server to track how a visitor navigates through a web site, areas in which a visitor shows interest, and to recognize the visitor upon return to the site. You can set up your web browser to inform you when cookies are being sent and to refuse cookies.

We do not use cookies to store confidential or sensitive information on your computer or to capture your e-mail address, obtain data from your hard drive, or gain confidential or sensitive information about you. We use server log files to count visitors and to evaluate our Site's technical capacity.

We do not combine information collected through cookies or web server log files with other personal information to derive any information about you.

Types of Information that May Be Collected

Any or all of the following information may be collected during your visit to our Site:

The name of the domain from which you access the Internet.

The date and time you access our Site.

The pages that you visit on our Site and the sequence in which you visit them.

The amount of time that you spent on any given page on our Site.

The type of browser that you are using to visit our Site.

Whether you have previously visited our Site.

Any such information gathered is viewed by us in the aggregate and does not describe or identify any individual user.

E-Mails

Any e-mail to us should be sent using the address listed under "Contact Us" on our Site. We retain any such information that you submit to us through the "Contact Us" page, including, but not limited to, your name, mailing address, e-mail address, telephone number, preferred calling time, and any other contents of your message, as well as our response. Neither your e-mail nor our response is secure. If you submit information to us through the "Contact Us" page and if you agree, we will disclose such information to retail sales centers in the geographic area of the mailing address that you provide in order that such sales center may contact you directly regarding products and services in which you may be interested.

Children Visiting Our Web Site

We do not knowingly solicit data or information from children, and we do not knowingly market to children.

If you submit information to us through the "Contact Us" page, you agree that you have attained the applicable age of majority in the state in which you reside.

Changes to Web Site Privacy Policy

This web site privacy policy is effective as of 7/21/2014. We reserve the right to change or update this web site privacy policy, or any other policy or practice at any time with reasonable notice to users of our web site. We will post any such changes or updates to this Site.

Questions

Questions regarding this web site privacy policy may be sent to us utilizing the addresses and telephone numbers listed on our "Contact Us" page.